{"id":34890,"date":"2023-12-08T07:40:47","date_gmt":"2023-12-08T07:40:47","guid":{"rendered":"https:\/\/masterskills.org\/blog\/diem-chiet-khau-am-negative-point-la-gi-vi-du-ve-diem-chiet-khau-am.html"},"modified":"2023-12-23T20:58:11","modified_gmt":"2023-12-23T13:58:11","slug":"diem-chiet-khau-am-negative-point-la-gi-vi-du-ve-diem-chiet-khau-am","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/diem-chiet-khau-am-negative-point-la-gi-vi-du-ve-diem-chiet-khau-am.html","title":{"rendered":"\u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m (Negative Point) l\u00e0 g\u00ec? V\u00ed d\u1ee5 v\u1ec1 \u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m"},"content":{"rendered":"<div class=\"vnbcbc-body vceditor-content wi-active\" data-role=\"content\">\n<figure class=\"VCSortableInPreviewMode\" type=\"Photo\" style=\"\">\n<div><\/div><figcaption class=\"PhotoCMS_Caption\">\n<p data-placeholder=\"[nh\u1eadp ch\u00fa th\u00edch]\">Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Investopedia<\/p>\n<\/figcaption><\/figure>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m<\/font><\/h2>\n<p><b>Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n<p><b>\u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m<\/b> trong ti\u00ea\u0301ng Anh la\u0300 <b>Negative Point.<\/b><\/p>\n<p><b>\u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m<\/b> l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ng\u01b0\u1eddi cho vay gi\u1ea3m gi\u00e1 cho c\u00e1c\u00a0nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ng\u01b0\u1eddi \u0111i vay, ho\u1eb7c c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p.\u00a0<\/p>\n<p>H\u1ec7 th\u1ed1ng \u0111i\u1ec3m chi\u1ebft kh\u1ea5u cho ph\u00e9p nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng chi tr\u1ea3 chi ph\u00ed mua nh\u00e0 m\u1ed9t l\u1ea7n, mua nh\u00e0 \u1edf.   Tuy nhi\u00ean, c\u00e1c\u00a0kho\u1ea3n th\u1ebf ch\u1ea5p\u00a0c\u00f3 \u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m th\u01b0\u1eddng c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n.\u00a0<\/p>\n<p>\u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m \u0111\u01b0\u1ee3c bi\u1ec3u di\u1ec5n d\u01b0\u1edbi d\u1ea1ng ph\u1ea7n tr\u0103m s\u1ed1 ti\u1ec1n g\u1ed1c c\u1ee7a kho\u1ea3n vay.  \u00a0  \u00a0\u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110\u1eb7c \u0111i\u1ec3m \u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m\u00a0<\/font><\/h3>\n<p>C\u00e1c kho\u1ea3n ho\u00e0n tr\u1ea3 \u0111\u01b0\u1ee3c tr\u1ea3 cho c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi th\u1ebf ch\u1ea5p, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0\u00a0ph\u00ed ph\u1ea7n b\u00f9\u00a0ch\u00eanh l\u1ec7ch l\u1ee3i su\u1ea5t (YSP), l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a thu nh\u1eadp c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi th\u1ebf ch\u1ea5p.\u00a0<\/p>\n<p>Khi kho\u1ea3n ho\u00e0n tr\u1ea3 \u0111\u01b0\u1ee3c ghi nh\u1eadn cho ng\u01b0\u1eddi \u0111i vay, n\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 tr\u1ea3 m\u1ed9t s\u1ed1 kho\u1ea3n thanh to\u00e1n cho vay ho\u1eb7c trang tr\u1ea3i c\u00e1c chi ph\u00ed.   Ch\u00fang \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u00e1c <b>\u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m,<\/b> hay c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng chi ph\u00ed cho ng\u01b0\u1eddi \u0111i vay.\u00a0<\/p>\n<p><i>S\u1ed1 ti\u1ec1n ho\u00e0n tr\u1ea3 cho ng\u01b0\u1eddi \u0111i vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 chi ph\u00ed c\u00e1c kho\u1ea3n thanh to\u00e1n v\u00e0 kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3\u00a0<\/i>tr\u1ea3 tr\u01b0\u1edbc<i>.\u00a0<\/i><\/p>\n<p>\u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 trang tr\u1ea3i m\u1ed9t s\u1ed1 chi ph\u00ed sang nh\u01b0\u1ee3ng ph\u00e1t sinh, v\u00ed d\u1ee5 nh\u01b0 ph\u00ed ng\u00e2n h\u00e0ng v\u00e0 ph\u00ed nh\u01b0\u1ee3ng quy\u1ec1n.  Nh\u01b0ng kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 trang tr\u1ea3i c\u00e1c chi ph\u00ed \u0111\u1ecbnh k\u00ec nh\u01b0 chi ph\u00ed l\u00e3i vay ho\u1eb7c thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n.\u00a0<\/p>\n<p><b>\u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m<\/b> cho ph\u00e9p nh\u1eefng ng\u01b0\u1eddi \u0111i vay c\u00f3 \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 tr\u1ea3 c\u00e1c chi ph\u00ed, c\u00f3 th\u1ec3 vay th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, t\u00ednh kinh t\u1ebf c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c \u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m ph\u1ee5 thu\u1ed9c v\u00e0o th\u1eddi h\u1ea1n vay c\u1ee7a ng\u01b0\u1eddi \u0111i vay.<\/p>\n<p>N\u1ebfu ng\u01b0\u1eddi \u0111i vay c\u00f3 \u00fd \u0111\u1ecbnh gi\u1eef th\u1ebf ch\u1ea5p trong m\u1ed9t th\u1eddi gian ng\u1eafn, vi\u1ec7c tr\u00e1nh c\u00e1c chi ph\u00ed tr\u1ea3 tr\u01b0\u1edbc v\u00e0 nh\u1eadn l\u1ea1i l\u00e3i su\u1ea5t cao h\u01a1n, c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m h\u01a1n t\u01b0\u01a1ng \u0111\u1ed1i.\u00a0<\/p>\n<p>N\u1ebfu ng\u01b0\u1eddi \u0111i vay c\u00f3 \u00fd \u0111\u1ecbnh gi\u1eef th\u1ebf ch\u1ea5p trong m\u1ed9t th\u1eddi gian d\u00e0i, c\u00f3 th\u1ec3 s\u1ebd ti\u1ebft ki\u1ec7m h\u01a1n khi h\u1ecd thanh to\u00e1n c\u00e1c chi ph\u00ed tr\u1ea3 tr\u01b0\u1edbc \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n.  \u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">V\u00ed d\u1ee5 v\u1ec1 \u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m\u00a0<\/font><\/h3>\n<p>\u1ee8ng d\u1ee5ng <b>\u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m <\/b>v\u00e0o m\u1ed9t kho\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 l\u00e0m t\u0103ng l\u00e3i su\u1ea5t, nh\u01b0ng l\u00e0m gi\u1ea3m chi ph\u00ed sang nh\u01b0\u1ee3ng ho\u1eb7c \u0111\u00f3ng h\u1ee3p vay \u0111\u1ed3ng th\u1ebf ch\u1ea5p.\u00a0<\/p>\n<p>N\u1ebfu ng\u01b0\u1eddi \u0111i vay ch\u1ea5p nh\u1eadn m\u1ed9t \u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m, ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 t\u0103ng l\u00e3i su\u1ea5t th\u00eam 0,25% nh\u01b0ng cho ng\u01b0\u1eddi \u0111i vay 1% kho\u1ea3n vay d\u01b0\u1edbi d\u1ea1ng t\u00edn d\u1ee5ng cho chi ph\u00ed \u0111\u00f3ng h\u1ee3p \u0111\u1ed3ng.  \u00a0\u00a0<\/p>\n<p>Gi\u1ea3 s\u1eed m\u1ed9t ng\u01b0\u1eddi \u0111i vay t\u00ecm ki\u1ebfm kho\u1ea3n vay th\u1ebf ch\u1ea5p1.000.000 USD \u0111\u1ec3 mua nh\u00e0.\u00a0<\/p>\n<p>Ng\u01b0\u1eddi cho vay c\u1ea5p kho\u1ea3n vay v\u1edbi l\u00e3i su\u1ea5t 5% v\u1edbi 2 \u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m, s\u1ebd ho\u00e0n l\u1ea1i cho ng\u01b0\u1eddi \u0111i vay 20.000 USD \u00e1p d\u1ee5ng cho chi ph\u00ed \u0111\u00f3ng kho\u1ea3n vay.  \u00a0\u00a0<\/p>\n<p>Ng\u01b0\u1ee3c l\u1ea1i, m\u1ed9t kho\u1ea3n vay truy\u1ec1n th\u1ed1ng cho c\u00f9ng s\u1ed1 ti\u1ec1n vay l\u00e0 1.000.000 USD \u0111\u1ec3 mua nh\u00e0 v\u1edbi l\u00e3i su\u1ea5t 4% v\u1edbi kho\u1ea3n thanh to\u00e1n tr\u01b0\u1edbc 1%. V\u1edbi kho\u1ea3n vay n\u00e0y, d\u00f9 c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n, nh\u01b0ng n\u00f3 \u0111\u00f2i h\u1ecfi ng\u01b0\u1eddi \u0111i vay ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc 10.000 USD.  \u00a0\u00a0<\/p>\n<p>M\u1ed9t s\u1ed1 nh\u00e0 m\u00f4i gi\u1edbi th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 kh\u00f4ng ti\u1ebft l\u1ed9 v\u1edbi ng\u01b0\u1eddi \u0111i vay v\u1ec1 c\u00e1c <b>\u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m<\/b>.   Tuy nhi\u00ean, n\u1ebfu c\u00f3 h\u1ecd s\u1ebd gi\u1eef s\u1ed1 ti\u1ec1n ho\u00e0n l\u1ea1i t\u1eeb c\u00e1c \u0111i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m l\u00e0m ph\u00ed hoa h\u1ed3ng cho vi\u1ec7c m\u00f4i gi\u1edbi kho\u1ea3n vay.  \u00a0 <\/p>\n<p>(Theo Investopedia)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            \u0110i\u1ec3m chi\u1ebft kh\u1ea5u \u00e2m (ti\u1ebfng Anh: Negative Point) l\u00e0 c\u00e1c kho\u1ea3n ho\u00e0n tr\u1ea3 c\u1ee7a ng\u01b0\u1eddi cho vay cho c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ng\u01b0\u1eddi \u0111i vay, ho\u1eb7c c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p.\n                        <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[420],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34890"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=34890"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34890\/revisions"}],"predecessor-version":[{"id":68184,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34890\/revisions\/68184"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=34890"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=34890"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=34890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}